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Answer

Is Faloni Law Group legit -- and how should I handle them?

Yes -- Faloni Law Group, LLC is a legitimate debt-collection law firm, not a scam. It is a New Jersey firm (Roseland area) that files collection lawsuits and handles recovery on consumer and commercial accounts. One naming point first: the firm is the successor to Faloni & Associates, LLC, so an older letter, judgment, or credit-report note may read "Faloni & Associates" while newer paperwork says "Faloni Law Group" -- treat it as the same practice and match the account, not the exact name. The most important thing to know is that a law firm can file a lawsuit, so the danger is ignoring it, not the firm being fake. If you are served with a summons and complaint, file a written answer by your court's deadline; ignoring it usually leads to a default judgment, which can enable wage garnishment or a bank levy. Because a firm that regularly collects consumer debts is still a debt collector under the Fair Debt Collection Practices Act -- attorneys are not exempt -- you keep your validation and dispute rights: demand written validation, ask it to name the original creditor, and check the statute of limitations, because a payment or a written promise can restart the clock. Confirm you were actually and properly served by checking the court docket yourself rather than relying on a phone call. If the plaintiff is a debt buyer rather than the original creditor, make it prove it actually owns your account -- the chain of title. One distinction: if the account is a commercial or business debt rather than a personal consumer debt, consumer-settlement tactics may not apply the same way, so identify what kind of account it is. If the balance is validated, ownership is confirmed, and it's a genuine personal unsecured debt, that debt is negotiable -- settle in writing and get the terms in writing before you pay.

RC
By Renee Calderon — Consumer debt & rights writer

A summons or letter from "Faloni Law Group" -- or the older "Faloni & Associates" -- is alarming because it comes from a law firm. The short version: it's a real New Jersey firm, not a scam. The version that helps you is that a law firm can sue, so the mistake to avoid is ignoring court papers.

Short answer

Yes, Faloni Law Group is legit -- a New Jersey debt-collection law firm, successor to Faloni & Associates. If you were served, file a written answer by the deadline, demand validation, and confirm you were properly served by checking the docket.

Who they are

Faloni Law Group, LLC is a law firm that collects debts in New Jersey, filing suits and handling recovery on consumer and commercial accounts. Because it regularly collects consumer debts, it's bound by the FDCPA -- attorneys are not exempt -- so you can demand validation and dispute the balance.

Why you may see two names

The practice is the successor to Faloni & Associates, LLC, so older judgments, letters, or tradelines may carry the former name. That's not a red flag by itself -- but tie the account to a real debt of yours and dispute it if you can't.

Is it a scam?

No -- it's a real law firm. But impostors impersonate law firms and demand gift cards or wires with threats of immediate arrest; a real firm serves court papers through the court and takes traceable payment. Confirm any lawsuit through the actual court docket.

How to deal with them

If the balance is really yours

Once the debt is validated, ownership is confirmed, and it's a genuine personal unsecured debt (not a commercial account), it's negotiable -- settle in writing and get the terms in writing before you pay. A settled balance of more than $600 may generate a 1099-C. Keep proof. Rules and timelines vary by state.

This page is general information, not legal or financial advice. Your rights and timelines vary by state; consider consulting a qualified attorney, legal aid, or your state attorney general's office.

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